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Frequently Asked Questions

Get answers to your questions.

Frequently Asked Questions

What does this policy cover?

Perils insured against include Fire, Hail, Lightning, Smoke, Vandalism, Water, Flood and Windstorm. Burglary is covered, provided it is a result of forced entry into a properly locked storage space. There is also limited coverage for vermin and fungus with a $250 sublimit for each. No sublimit for fungus in NY. This is not a complete list. Please click on the link below for a sample of the Certificate of Insurance to review all of the perils insured.

Review Forms and Documents

Are motor vehicles covered under this policy?

Motor vehicles are covered for property damage only for the covered perils listed on the certificate. The vehicle must be within the four walls of a locked storage unit to be covered, subject to the insured limit of the unit, and will be valued on an Actual Cash Value basis.

Is Vermin covered?

$250 of coverage is provided for damage caused by Vermin to covered property, provided no ingestibles are stored in the unit while in storage at Public Storage.

Can I purchase more than $5,000?

No, the maximum limit available under this program is $5,000.

How do I pay my premium?

Premium is paid along with your storage rent monthly. You can get more information on payment options by visiting www.PublicStorage.com.

How can I get copies of the forms?

You can access sample copies of forms for every state by clicking on the link below.

Review Forms and Documents

What is the difference between Burglary and Theft or Mysterious Disappearance?

The term “Burglary” means the act of stealing property by forcible entry into the storage space described on your Rental Agreement and must be evidenced by signs of forcible entry. However, this coverage only applies when such storage space is securely locked at the time of the forcible entry. A missing lock or the presence of a lock different than the lock placed by you on the storage space is not sufficient, without more, to establish forcible entry. In the event of a Burglary Claim, you will bear the burden of proof to establish that a Burglary has occurred.

This is as opposed to Theft or Mysterious Disappearance, for which there is no distinction that there be evidence of signs of forcible entry into a securely locked storage space. Theft and Mysterious Disappearance are not covered under this policy.

What is a deductible?

When you purchase insurance from us, in the case of a Claim, you are responsible for the first $100 of any loss. This is your deductible. The insurance company will compensate you, based on the Terms and Conditions, for any amount above this $100 deductible. You will not be requested to make any payment to Sedgwick, the claims administrator.

I received a notice of cancellation of my insurance. What do I need to do?

Your insurance premium is due on the first of each month. You will receive a Notice of Cancellation if your premium has not been received by the 20th of the month. This cancellation will be effective on the date shown on the cancellation notice if premium is not received.

If you make your insurance premium payment prior to the cancellation day, your account will be made current.

If you do not make your insurance premium payment by the date shown on the cancellation notice, your insurance coverage is cancelled. In order to re-purchase the insurance, you will need to complete a new Insurance Addendum to your Rental Agreement. You can review this form by clicking on the link below.

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You can complete a new Insurance Addendum at the Public Storage office or can do this online by clicking on the link below.

Purchase Insurance

How can I re-purchase this insurance if my coverage has been cancelled?

In order to re-purchase this insurance, you will need to complete a new Insurance Addendum to Your Rental Agreement. You can review this form by clicking on the link below.

Review Forms and Documents

You can complete a new Insurance Addendum at the storage facility office or can do this online by clicking on the link below.

Purchase Insurance

How do I cancel my insurance?

Coverage cancels automatically when you move out of your storage unit.

Coverage also cancels when you do not pay the premium.

If you would like to cancel this insurance for any other reason, you will need to confirm that you have other insurance covering your items stored at Public Storage and sign a new Insurance Addendum to your Rental Agreement.

A sample of this form can be found via the link below.

Review Forms and Documents

This can be done by logging into your Self Care Account at www.publicstorage.com and accessing “edit insurance” or you can complete at your Public Storage office.

Once you have confirmed there is other insurance covering your goods in storage, your insurance through the Orange Door Storage Insurance Program will cancel on the first of the following month. Insurance Premium is billed on the first of the month. Cancellations after the first of each month are subject to a minimum premium. Full refunds are provided for full policy months not used.

Please note, Public Storage and it’s employees are not qualified or authorized to evaluate the adequacy of any insurance you may have. Here is a link to Questions to Ask Your Insurance Agent.

When does my cancellation take effect?

If you terminate your lease with Public Storage, your insurance will cancel on that date, or

If you have not paid your monthly premium, your will be given advance notice of cancellation date, or

If you elect to confirm that you have other insurance and voluntarily cancel your insurance and complete a new Insurance Addendum at your local Public Storage or online, your insurance will cancel at the end of that month or when your Public Storage lease is terminated, whichever comes first.

Is there a refund of insurance premium if I cancel during the current month?

Insurance premium is billed on the first of the month. Cancellations after the first of each month may be subject to a minimum premium. Full refunds are provided for full policy months not used.

How do I submit a claim?

You can submit a Claim by calling the Orange Door Storage Insurance Hotline toll-free at (877) 878-6730 and selecting Option 1. Representatives are available to take your Claim information and offer assistance 24 hours a day, seven days a week. You can also click on the link below for information on filing a Claim or to electronically file a Claim. You will be requested to provide documents evidencing ownership of items damaged or stolen.

Report a Claim

What if I have questions on my Claim?

You can request a status of your Claim or talk to your claims adjuster by calling the Orange Door Storage Insurance Hotline toll-free at (877) 878-6730 – Option 2.

You can also e-mail Claim questions or Claim documentation to [email protected]. Attachments of the following file types can be accepted: DOC, GIF, HTM, HTML, JPG, PDF, RTF, or TIF. The maximum size capacity is 25 megabytes per e-mail. To ensure a timely response, please include your Claim number in the subject line of the e-mail. At this time Sedgwick cannot accept documents via Dropbox™.

What is the process if I have a Claim?

Initial Steps

  • Secure your property and protect it from sustaining further damage.
  • Notify your Public Storage property manager (especially if there is damage to the building).
  • Report break-ins to local police in order to file a police report.

Report a Claim

  • Report your Claim in one of two convenient ways:
    • Call the Orange Door Hotline toll-free at (877) 878-6730 and select Option 1 to report a Claim. One of our customer service representatives will take your Claim information and offer assistance, or
    • To report a Claim electronically, click on the link below to access the MySedgwick New Claim reporting site.
  • It is helpful, when reporting your Claim by either method, to have the following information available:
    • Your personal contact information
    • Incident location information
    • Police report case number (if applicable)
    • Description of the loss
    • A list of property damaged in the incident
  • Once the Claim is received by Sedgwick, you will be contacted within one to two business days by a handling examiner.

Inventory and Photograph Damages

  • Make a list of what is damaged. Be sure to include as much detail as possible such as make, model, year purchased, purchase price, etc.
  • It is always recommended to take photos of your damaged items in order to properly identify the item, and also document the damages.
  • Do not dispose of your damaged items prior to properly documenting the damages.
  • If your unit reflects damages by forced entry or water intrusion, it is a good idea to photograph those damages, as well.

The Process with Your Claims Examiner

  • Your handling examiner will discuss additional information needed, such as photos showing the source of water or a police report.
  • You will need to provide a statement to the handling examiner over the phone.
  • Sedgwick will mail claim documents for you to complete and return.
  • You can return your documents by mail to Sedgwick, P.O. Box 14514, Lexington, KY 40512-4514 or by e-mail to [email protected].
  • Sedgwick will verify the loss and determine if there is coverage under the policy.
  • If it is a covered loss, Sedgwick will evaluate the damages once all the necessary documentation has been sent in. If it is not a covered loss, you will receive a letter of explanation that references the applicable policy language.
  • You will be asked for information and materials to show that you owned and stored the property claimed. Your original receipts, photographs or owner’s manuals are examples that can be used to document your Claim.
  • Once the damages have been evaluated, you will be notified by your handling examiner of the valuation amount.
  • Sedgwick will send you a Contents Proof of Loss form to review and sign.
  • Once that form is signed and sent back to Sedgwick, your claim payment will be issued. This usually is done within two days of receipt of the Proof of Loss form.
  • Please note that all covered losses are subject to a $100 deductible, which will be deducted from the Claim. You will not be requested to make any payment to Sedgwick.
  • Losses are settled promptly and fairly.

How do I provide "proof of ownership" of my lost or damaged items?

If you suffer a loss, Sedgwick will ask you for information and materials to show that you owned and stored the property claimed. Your original receipts, photographs or owner’s manuals can be used to document your Claim.

Some additional, non-exhaustive, examples of Proof of Ownership are bank records, financial records, credit card records, reprinted store receipts, owners’ manuals, warranty papers, remote controls, repair invoices and any photos you may have.

Keep these items at home or at work and not in the storage space.

What are some helpful storage tips?

DO:

  • Do use covers and pad for beds and furniture to ensure they stay in perfect condition.
  • Do use the right type of box for the item and don’t overload them.
  • Do pack glass in protective packaging.
  • Do store valuables, as well as electronics, in unmarked boxes towards the rear of your storage space or behind larger items, such as furniture and beds.
  • Do leave air space around the perimeter to aid in ventilation.
  • Do leave a walkway to the rear of your space for easy access.
  • Do use all the space available, including the height.
  • Do place frequently needed items towards the front of your storage space.
  • Do keep a thorough inventory. Prepare a list of everything that you place in your storage unit. Keep this list in a safe place outside your storage facility.
  • Do take photos of items, as well as photos of contents and boxes in your storage space.
  • Do lock your unit. Disc or cylinder locks are recommended.
  • Do insure your goods in storage against loss or damage.

DON’T:

  • Don’t store items in plastic bags – things could mildew from lack of ventilation.
  • Don’t store valuables such as deeds, money, jewelry, watches, furs, valuable papers and records, and photographs in your storage unit.
  • Don’t store items that could be susceptible to temperature or atmospheric change.
  • Don’t store flammable items.
  • Don’t store food products and other ingestible items – this includes spices.
  • Don’t lean things against the walls or directly on concrete floors.
  • Don’t leave items unattended at any time outside your locked unit.

How do I contact the California Department of Insurance Consumer Hotline for assistance?

You may contact the California Department of Insurance Consumer Hotline for assistance at (800) 927-4357.

How do I contact the Delaware Insurance Department for assistance?

You may contact the Delaware Insurance Department by calling (800) 282-8611 in Delaware or (302) 674-7310. Or email the Department at [email protected].

How do I contact the Maryland Insurance Administration Consumer Complaint Division?

You may contact the Maryland Insurance Administration Attn: Consumer Complaint Investigation – Property/Casualty Insurance Division at 200 St. Paul Place, Suite 2700, Baltimore, MD 21202

Phone: (410) 468-2000 or (800) 492-6116

TTY: (800) 735-2258

Fax: (410) 468-2334 or (410) 468-2307 (Property and Casualty)

http://www.insurance.maryland.gov/Consumer/Pages/FileAComplaint.aspx

How do I contact the Pennsylvania Insurance Department?

You may contact the Pennsylvania Insurance Department, 1209 Strawberry Square, Harrisburg, PA 17120. Toll-free: 1-877-881-6388, Fax: (717) 787-8585, TTY/TDD: (717)-783-3898.

How do I contact PSCC, Inc. with any other questions?

You can contact us via email at [email protected].

You may also contact us by calling the Orange Door Storage Insurance Hotline toll-free at (877) 878-6730 and selecting Option 3. Our hours are 8 a.m. to 4:30 p.m. Pacific Time, Monday through Friday, or you may leave a voicemail at any time and we will respond within 24 hours.

You can write to us at PSCC, Inc. in California DBA: PSCC Insurance Services Processing (CA Insurance License #0E14626), P.O. Box 25097, Glendale, CA 91221-5097.

Questions to Ask Your Insurance Agent

Does your homeowners' or business insurance policy cover property stored at a location that is not your home or business?

Most homeowners’ or business insurance policies do not automatically provide this coverage and a separate endorsement must be issued, subject to insurance company approval.

The Orange Door Storage Insurance Program automatically provides this coverage as soon as you complete the form and pay the monthly premium.

Is coverage provided only for a limited time limit?

Most homeowners’ or business insurance policies only provide short-term (usually 30 days) coverage. Any extension would need to be approved by the insurance company.

The Orange Door Storage Insurance Program provides coverage that remains in effect for as long as you have your storage unit and pay the monthly premium.

Is there an additional premium charged to cover property stored at another location?

Most homeowners’ or business insurance policies will charge an additional premium to add an endorsement to provide coverage for property in storage. In many circumstances, the estimated costs could be between $1.25 to $1.75 per $100 of values.

The Orange Door Storage Insurance Program has an affordable premium that you can pay monthly as part of your storage bill or online.

What is the deductible?

Contents in storage are subject to your homeowners’ or business insurance deductible. Most homeowners’ or business insurance policies have a minimum deductible of $500 and yours could be higher.

The Orange Door Storage Insurance Program has a $100 deductible.

If there is a loss, will your insurance premium increase?

Your claims-free discount will be lost and your premium could increase. If you report multiple claims under your homeowners’ or business insurance policy during a five-year period, you run the risk of your coverage being canceled.

The Orange Door Storage Insurance Program will not raise your premium or cancel you if you have a loss.

Does your homeowners' policy provide coverage for business property?

Most homeowners’ policies will not cover this without a specific endorsement to your policy. The business usually has to fit the model of “home-based business” and must be approved by the insurance company.

The Orange Door Storage Insurance Program provides coverage for business property.

Does your homeowners' or business insurance policy contain special exclusions for property in storage?

Most homeowners’ policies only provide coverage for theft to property in storage.

The Orange Door Storage Insurance Program provides coverage for a number of named perils including water, flood, fire, smoke, hail, lightning, windstorm, vandalism and burglary.

Does your homeowners' or business insurance policy provide coverage for vermin, fungus or flood?

Homeowners’ or business insurance policies, as a rule, will not provide vermin, fungus or flood coverage for Personal Property.

The Orange Door Storage Insurance Program provides full coverage for flood as well as $250 coverage for vermin and $250 coverage for fungus. No sublimit for fungus in NY.

  • †This is meant to serve as a guide only. For your actual terms and conditions, please consult with your insurance agent.
  • For more information, please call toll-free at (877) 878-6730.
  • Program Administrator: PSCC, Inc. in California DBA: PSCC Insurance Services Processing (CA Insurance License #0E14626). PSCC, Inc. is a wholly owned subsidiary of Public Storage.

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